-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

published:14 Apr 2016

views:1347

In the previous video, we learned that inflation can add noise to price signals resulting in some costly mistakes from price confusion and money illusion. Now, we’ll look at how it can interfere with long-term contracting with financial intermediaries.
Let’s say you want to take out a big loan, such as a mortgage on a house. The financial intermediary (in this case, a commercial bank) is going to charge you an interest rate as their profit for loaning you the money. In this situation, inflation has the potential to work against you or it can work against the bank.
If the bank charges you a nominal interest rate (i.e., the interest rate on paper before taking inflation into account) of 5% and inflation climbs unexpectedly to 10% for the year, the real interest rate (nominal minus inflation) falls to -5%. The bank actually loses money. However, if inflation has been higher and banks are charging 15% for mortgages and inflation rates fall unexpectedly to 3%, you’re stuck paying a real interest rate of 12%!
The above scenarios are similar to what actually happened in the United States in the 1960s and 1970s. Inflation was low in the 60s. But then in 70s, inflation rates climbed up unexpectedly. People that purchased a home in the 60s lucked out with low interest rates on their mortgages coupled with higher inflation, and many were able to pay off the loans more quickly than expected. But anyone that purchased a higher interest rate mortgage in the 70s only saw inflation fall back down. It was good for the banks and a costly choice for the homeowners. They were saddled with a high-interest mortgage while lower inflation meant a lower increase in wages.
It’s not that the people buying homes in the 1960s were smarter than those in the 70s. As we’ve noted in previous videos, inflation can be very difficult to predict. When banks expect that inflation might be 10% in the coming years, they will generally adjust their nominal interest rates in order to achieve the desired real interest rate. This relationship between real and nominal interest rates and inflation is known as the Fisher effect, after economist Irving Fisher.
We can see the Fisher effect in the data for nominal interest rates on U.S. mortgages from the 1960s through today. As inflation rates rise, nominal interest rates try to keep up. And as the inflation rates fall, nominal interest rates trail behind.
Now, if inflation rates are both high and volatile, lending and borrowing gets scary for both sides. Long-term contracts like mortgages become more costly for everyone with much higher risk, so it happens less. This is damaging for an economy. Coordinating saving and investment is an important function of the market. If high and volatile inflation is making that inefficient and less common, total wealth declines.
Up next, we’ll explore why governments create inflation in the first place.
Subscribe for new videos every Tuesday! http://bit.ly/1Rib5V8
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Ask a question about the video: http://bit.ly/2ka5M3j
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published:07 Feb 2017

views:28655

I used the calculator at http://www.foreseenfortune.com to run the analysis.
One correction, all of the information in "Loan Contribution" column reflects the loan INTEREST and not the actual loan PAYMENT.
For educational purposes only.

published:01 Jun 2016

views:153

published:13 Nov 2016

views:3527

Josh Sigurdson talks with author and economic analyst JohnSneisen about the recent news that inflation in the United States reached an 6 year high.
Breaking down this news, we take a trip through the past, present and future of inflation, why it happens and what can be done.
Inflation is a hidden tax and it's an absolute scourge. One of the greatest reasons we see such vast poverty today is due to inflation. The purchasing power of fiat currency falls like a rock as vast printing, quantitative easing and fractional reserve lending lead to vast debt and devaluation.
This results in our food going up in value alongside everything else.
Currently the official numbers show the U.S. has an inflation rate of about 2.9%. This is incorrect when you look at the shadow stats by John Williams assessing the 1980s charts which show inflation is closer to about 10% in the United States. Talk about a jump.
We look at inflation and currency devaluation throughout history. For example, the Weimar Republic's hyperinflation, Zimbabwe's homeless trillionaires, Argentina's obsession with printing currency, South Sudan, Suriname, Croatia and of course Venezuela who is dealing with a massive crisis as we speak.
Then we look at the present situation and with that lead into the future of this racket. The centrally planned cashless society. It's a desperation move as the Federal Reserve attempts to pull interest rates up so they can drop them out without going negative, but it won't work. Between 2008 and 2012, the Fed dropped interest rates 5.5%. That simply put off the crash. It didn't fix anything. Now the weight is even heavier on our shoulders, interest rates will have to go negative like Sweden which played right into their cashless system.
If your money's in the bank, it's not yours, it's the bank's and if your money's always going through the banks via digital transactions and legal tender laws, it's NEVER your money and it's ALWAYS the bank's. That makes you a puppet of the banking and governmental system.
There appears to be a massive attempt out of Sweden, China and India to be the test grounds for the global centrally planned cashless society where one cannot stop a bank run, a bail-in, surveillance, etc. But of course a great part of value is scarcity and by creating vast currency at an endless rate, you lose scarcity, so you lose demand and you end up with a worthless currency.
Cryptocurrencies on the other hand when fundamentally useful stand to be a solution to this madness. Scarcity, application use and demand are what makes silver and gold so useful as wealth insurance. The same goes for Bitcoin as a new revolutionary way to free individuals from the central banking system. We go into many solutions for free individuals.
Remember, all fiat currencies eventually revert to their true value of zero, they always have, they always will going back to 1024AD in China. This time will be no different. Though, the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on it, we just know it will happen and for that reason it's better people are overprepared than underprepared. History has taught us that this system of collectivist centralization will revolve in circles for eternity as long as we do not understand it. So either you as an individual should learn to control your money, or your money will control you. This is why we need to hand it to individual demand on the free market. Competing currencies. No more fiat.
Stay tuned for more from WAM!
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
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WorldAlternative Media
2018
"Find the truth, be the change!"

published:19 Jul 2018

views:7212

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

published:14 Apr 2016

views:1876

The Federal Reserve has kept interest rates at near zero since the 2008 financial crisis. To raise them, it has come up with a new set of tools. A WSJ explainer.
Subscribe to the WSJ channel here:
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published:17 Sep 2015

views:162548

Fractional Reserve Banking Explained: Fraud Becomes Legal
The gap between the very rich and the rest of us is getting bigger. Is the 'trickle-down' theory correct?
Fractional-reserve banking is the practice whereby a bank accepts deposits, makes loans or investments, and holds reserves that are a fraction of its deposit liabilities. Reserves are held at the bank as currency, or as deposits in the bank's accounts at the central bank. Fractional-reserve banking is the current form of banking practiced in most countries worldwide.
Fractional-reserve banking allows banks to act as financial intermediaries between borrowers and savers, and to provide longer-term loans to borrowers while providing immediate liquidity to depositors (providing the function of maturity transformation). However, a bank can experience a bank run if depositors wish to withdraw more funds than the reserves held by the bank. To mitigate the risks of bank runs and systemic crises (when problems are extreme and widespread), governments of most countries regulate and oversee commercial banks, provide deposit insurance and act as lender of last resort to commercial banks.
Because bank deposits are usually considered money in their own right, and because banks hold reserves that are less than their deposit liabilities, fractional-reserve banking permits the money supply to grow beyond the amount of the underlying reserves of base money originally created by the central bank. In most countries, the central bank (or other monetary authority) regulates bank credit creation, imposing reserve requirements and capital adequacy ratios. This can limit the amount of money creation that occurs in the commercial banking system, and helps to ensure that banks are solvent and have enough funds to meet demand for withdrawals. However, rather than directly controlling the money supply, central banks usually pursue an interest rate target to control inflation and bank issuance of credit.
Subscribe to this channel - https://www.youtube.com/channel/UCPi6euzgQgW8lXDLAw152Pg
Fractional Reserve Banking wiki - https://en.wikipedia.org/wiki/Fractional-reserve_banking
Fractional Reserve Banking - http://www.investopedia.com/terms/f/fractionalreservebanking.aspUnderstanding the Fractional Reserve Banking System - http://www.learningmarkets.com/understanding-the-fractional-reserve-banking-system/
Ron Paul and Fractional Reserve Banking - http://www.forbes.com/sites/johntamny/2012/07/29/ron-paul-fractional-reserve-banking-and-the-money-multiplier-myth/#6c54f4976704
End Fractional Reserve Banking and Fix the Economy - http://positivemoney.org/2013/09/can-money-be-converted-to-everlasting-tokens/
CentralBanks - http://www.centralbanksguide.com/fractional+reserve+banking/
Fractional Reserve Lending - http://rationalwiki.org/wiki/Fractional-reserve_banking
Fractional ReserveCrash Course - http://www.peakprosperity.com/blog/86445/money-creation-banks-crash-course-chapter-7
Fractional Reserve Banking Explained - https://www.frbatlanta.org/education/classroom-economist/fractional-reserve-banking/economists-perspective-transcript
Central BankRates / Worldwide Interest Rates - http://www.cbrates.com/
History and Origins of Fractional Reserve Banking - http://wakeupfromyourslumber.blogspot.ca/2005/12/origins-of-fractional-reserve-banking.html
How Banks CreateMoney - http://positivemoney.org/how-money-works/how-banks-create-money/
Money Creation - https://en.wikipedia.org/wiki/Money_creation
FiatCurrency - http://dailyreckoning.com/fiat-currency/
As always, use this info to gather more info.

published:12 Mar 2016

views:33558

Josh Sigurdson talks with author and economic analyst JohnSneisen about the most recent news regarding the Canadian economy as inflation hit its highest level since 2011, interest rates skyrocket and Bank of CanadaGovernorStephen Poloz gives excuses.
Poloz claims the recent inflation is just transitory and that he saw it coming. Well, in the end, we're comparing one fiat currency, the Canadian Dollar to another fiat currency, the US Dollar. Both are falling. One just takes turns falling faster.
Inflation will continue to go up in Canada. There's no escaping it. There's no scarcity, it's a centrally planned currency and many of the banks in Canada are taking part in fractional reserve lending. The same banks are insolvent as their cash to deposit ratio clearly shows. Meanwhile, there's a massive bubble in real estate in Toronto and Vancouver. There's a massive pension shortfall. There's a massive bubble at the Toronto Stock Exchange. There's a global derivatives bubble. The price of living is going up. There are countless taxes plaguing people like the income tax, property tax, business tax, capital gains tax, eco-tax, PST, GST, MST and of course among many more, the carbon tax. People are in poverty and the government feels the populace needs more of the thing that causes the problem in the first place to fix it...Government.
Regulations are restricting the market from competing. There's no incentive for innovation and competition in the markets when government monopolizes massive corporations.
All fiat currencies eventually revert to their true value of zero. They always have, they always will going back to 1024AD in China. This time is no different though the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on the crash, we just know that it will indeed happen.
So getting prepared is crucial. One must look towards decetralization, independence, self sustainability. People must be financially educated and responsible. Individual responsibility is the hallmark of freedom itself after all.
Gold, silver and cryptocurrencies are great. Of course this is our opinion, not investment advice, but gold and silver aren't investments anyways. They're wealth insurance. They have been for many centuries. Cryptocurrencies are great ways to decentralize and get out of the banking and governmental systems.
Stay tuned for more as we continue to cover this story as it elapses.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
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WorldAlternative Media
2018
"Find the truth, be the change!"

published:27 Aug 2018

views:21209

also check me out on http://www.facebook.com/schiffreport and http://www.twitter.com/schiffreport

published:23 Jun 2009

views:11081

DebtCrisis in United States of America, A Simplified way of understanding the whole scenario of the debt crisis, the inevitable collapse of the american Economy.
A must watch simple explanation video for understanding the scenario of US Economy, inflation, stagflation, recession etc. for all those who are considering to shift their jobs and businesses to US in coming future,
Sorry for the outdated data figures in the video but it will give you a straight and simple idea about the thing.
Debt Crisis: http://en.wikipedia.org/wiki/Debt_crisis
US Debt Crisis 2013: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2013
US debt crisis2011: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2011
Stagflation: http://en.wikipedia.org/wiki/Stagflation
Some Featured Thoughts by viewers:
DavidHung: In order not to pay their debt , The evil U.S government will start wars all over the wold , like they always do in the past , in north Africa , Mid-East , South America & wish to overthrow their biggest creditor China . When U.S government use their borrow-money to build army , weapons & missile to kill human life , they even say they believe in God ,how would God answer this BS ! The most bad thing in the world is that you borrow money and you do not pay back , so you kill the person you borrow money from.
Cassio VA : Solutions:
1- Make the bigs companies pay taxes
2- Stop burning money whit military things
3- TurnCommunismEmperor Tikacuti : The preparation will be, WWIII and the collapse of the American imperial economy, because the American Empire owes more than 20 trillion dollars, both to the nations of the world and the government. If they continue to borrow money from other nations, other nations will feel threatened and will rise as anti-Americans, because they don't want their money to be stolen and borrowing money from the bank will lead to serious problems, for internal debt, whether banking, IRS, companies, insurances and even health care and whatever they're doing against nations and itself and citizens refuse to pay but spend on materials and products, the fault will not be the government but the people as well, because the American Empire isn't ruled by the government but by the people, who caused the collapse and starting a war against nations for resource like Nazi Germany. WWIII will lead the collapse of the American Empire and Capitalism, ending the Cold War and other problems and that time will come, when the bomb hits.
Goler Soft 7: how does the government pay back the us debt by putting the fed printed money in banks all around america? and plus the fed charges interest witch puts the government in more debt. so basicly dats paying debt wit debt. also, how does paying back the debt with the federal reserve money cause inflation when the governments not putting the loaned fed money in the economy just using it on the debt? or mabey the government isnt using it to pay the debt. mabye there just putting it in the ecconomy causing inflation claiming there paying off the debt, but really causing inflation. but why?
kalatapie: there are two easy steps in fixing the debt crisis:
step 1: increce the taxes on the wealthy people. why? because it is not normal for a man to make more money a day than an american makes a lifetime!
stem 2: reduce military spending. because, seriously, the cold war is over. you do not need to spend 20% of your GDP in the military considering that there is no major threat for your country.
Demogorgon47 : And when the global financial collapse happens revolution will most likely begin. Millions will die from lack of resources and warfare. People will be calling for the heads of the douchebags that enacted the ridiculous federal reserves that corrupted the whole fucking system to begin with. Reserve banks are the cancer in the system. Loaning the people the nation's currency at interest in a huge fucking mistake. A robbery of the worst kind and it'll bring the whole system crashing down because a few greedy fucks decided to rob EVERYONE world wide. It's a broken system. Either replace it with a resource based economy or hold the greedy fucks accountable. Oh that's right they've got everyone in their pocket so they're untouchable. Fucking bullshit. Why is it no one listens to voice of reason? If people did so maybe we wouldn't be heading towards extinction by greed!
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Inflation

In economics, inflation is a sustained increase in the general price level of goods and services in an economy over a period of time.
When the price level rises, each unit of currency buys fewer goods and services. Consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy. A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index, usually the consumer price index, over time. The opposite of inflation is deflation.

Inflation affects an economy in various positive and negative ways. Negative effects of inflation include an increase in the opportunity cost of holding money, uncertainty over future inflation which may discourage investment and savings, and if inflation were rapid enough, shortages of goods as consumers begin hoarding out of concern that prices will increase in the future. Positive effects include reducing the real burden of public and private debt, keeping nominal interest rates above zero so that central banks can adjust interest rates to stabilize the economy, and reducing unemployment due to nominal wage rigidity.

Price inflation and assets inflation

As inflation is generally understood and perceived as the rise in price of 'ordinary' goods and services, and official and Central bank policies in most of today’s world have been expressly directed at minimizing 'price inflation', assets inflation has not been the object of much attention or concern. An example of this is the housing market, which concerns almost every individual household, where house prices have over the past decade consistently risen by or at least near a two digit percentage, far above that of the consumer price index.

Inflation (cosmology)

In physical cosmology, cosmic inflation, cosmological inflation, or just inflation is a theory of exponential expansion of space in the early universe. The inflationary epoch lasted from 10−36 seconds after the Big Bang to sometime between 10−33 and 10−32 seconds. Following the inflationary period, the Universe continues to expand, but at a less rapid rate.

While the detailed particle physics mechanism responsible for inflation is not known, the basic picture makes a number of predictions that have been confirmed by observation. The hypothetical field thought to be responsible for inflation is called the inflaton.

Effects of Inflation in Borrowing and Lending

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

6:04

Costs of Inflation: Financial Intermediation Failure

Costs of Inflation: Financial Intermediation Failure

Costs of Inflation: Financial Intermediation Failure

In the previous video, we learned that inflation can add noise to price signals resulting in some costly mistakes from price confusion and money illusion. Now, we’ll look at how it can interfere with long-term contracting with financial intermediaries.
Let’s say you want to take out a big loan, such as a mortgage on a house. The financial intermediary (in this case, a commercial bank) is going to charge you an interest rate as their profit for loaning you the money. In this situation, inflation has the potential to work against you or it can work against the bank.
If the bank charges you a nominal interest rate (i.e., the interest rate on paper before taking inflation into account) of 5% and inflation climbs unexpectedly to 10% for the year, the real interest rate (nominal minus inflation) falls to -5%. The bank actually loses money. However, if inflation has been higher and banks are charging 15% for mortgages and inflation rates fall unexpectedly to 3%, you’re stuck paying a real interest rate of 12%!
The above scenarios are similar to what actually happened in the United States in the 1960s and 1970s. Inflation was low in the 60s. But then in 70s, inflation rates climbed up unexpectedly. People that purchased a home in the 60s lucked out with low interest rates on their mortgages coupled with higher inflation, and many were able to pay off the loans more quickly than expected. But anyone that purchased a higher interest rate mortgage in the 70s only saw inflation fall back down. It was good for the banks and a costly choice for the homeowners. They were saddled with a high-interest mortgage while lower inflation meant a lower increase in wages.
It’s not that the people buying homes in the 1960s were smarter than those in the 70s. As we’ve noted in previous videos, inflation can be very difficult to predict. When banks expect that inflation might be 10% in the coming years, they will generally adjust their nominal interest rates in order to achieve the desired real interest rate. This relationship between real and nominal interest rates and inflation is known as the Fisher effect, after economist Irving Fisher.
We can see the Fisher effect in the data for nominal interest rates on U.S. mortgages from the 1960s through today. As inflation rates rise, nominal interest rates try to keep up. And as the inflation rates fall, nominal interest rates trail behind.
Now, if inflation rates are both high and volatile, lending and borrowing gets scary for both sides. Long-term contracts like mortgages become more costly for everyone with much higher risk, so it happens less. This is damaging for an economy. Coordinating saving and investment is an important function of the market. If high and volatile inflation is making that inefficient and less common, total wealth declines.
Up next, we’ll explore why governments create inflation in the first place.
Subscribe for new videos every Tuesday! http://bit.ly/1Rib5V8
Macroeconomics Course: http://bit.ly/1R1PL5x
Ask a question about the video: http://bit.ly/2ka5M3j
Next video: http://bit.ly/2lrhcil

10:01

How inflation will impact the interest you pay on loans

How inflation will impact the interest you pay on loans

How inflation will impact the interest you pay on loans

I used the calculator at http://www.foreseenfortune.com to run the analysis.
One correction, all of the information in "Loan Contribution" column reflects the loan INTEREST and not the actual loan PAYMENT.
For educational purposes only.

2:39

What is the impact of inflation?

What is the impact of inflation?

What is the impact of inflation?

26:57

The TRUTH About Inflation & The CRASH To Come!

The TRUTH About Inflation & The CRASH To Come!

The TRUTH About Inflation & The CRASH To Come!

Josh Sigurdson talks with author and economic analyst JohnSneisen about the recent news that inflation in the United States reached an 6 year high.
Breaking down this news, we take a trip through the past, present and future of inflation, why it happens and what can be done.
Inflation is a hidden tax and it's an absolute scourge. One of the greatest reasons we see such vast poverty today is due to inflation. The purchasing power of fiat currency falls like a rock as vast printing, quantitative easing and fractional reserve lending lead to vast debt and devaluation.
This results in our food going up in value alongside everything else.
Currently the official numbers show the U.S. has an inflation rate of about 2.9%. This is incorrect when you look at the shadow stats by John Williams assessing the 1980s charts which show inflation is closer to about 10% in the United States. Talk about a jump.
We look at inflation and currency devaluation throughout history. For example, the Weimar Republic's hyperinflation, Zimbabwe's homeless trillionaires, Argentina's obsession with printing currency, South Sudan, Suriname, Croatia and of course Venezuela who is dealing with a massive crisis as we speak.
Then we look at the present situation and with that lead into the future of this racket. The centrally planned cashless society. It's a desperation move as the Federal Reserve attempts to pull interest rates up so they can drop them out without going negative, but it won't work. Between 2008 and 2012, the Fed dropped interest rates 5.5%. That simply put off the crash. It didn't fix anything. Now the weight is even heavier on our shoulders, interest rates will have to go negative like Sweden which played right into their cashless system.
If your money's in the bank, it's not yours, it's the bank's and if your money's always going through the banks via digital transactions and legal tender laws, it's NEVER your money and it's ALWAYS the bank's. That makes you a puppet of the banking and governmental system.
There appears to be a massive attempt out of Sweden, China and India to be the test grounds for the global centrally planned cashless society where one cannot stop a bank run, a bail-in, surveillance, etc. But of course a great part of value is scarcity and by creating vast currency at an endless rate, you lose scarcity, so you lose demand and you end up with a worthless currency.
Cryptocurrencies on the other hand when fundamentally useful stand to be a solution to this madness. Scarcity, application use and demand are what makes silver and gold so useful as wealth insurance. The same goes for Bitcoin as a new revolutionary way to free individuals from the central banking system. We go into many solutions for free individuals.
Remember, all fiat currencies eventually revert to their true value of zero, they always have, they always will going back to 1024AD in China. This time will be no different. Though, the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on it, we just know it will happen and for that reason it's better people are overprepared than underprepared. History has taught us that this system of collectivist centralization will revolve in circles for eternity as long as we do not understand it. So either you as an individual should learn to control your money, or your money will control you. This is why we need to hand it to individual demand on the free market. Competing currencies. No more fiat.
Stay tuned for more from WAM!
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
FIND US ON STEEMIT:
https://steemit.com/@joshsigurdson
BUYJOHN SNEISEN'S LATEST BOOK HERE:
Paperback
https://www.amazon.com/dp/1988497051/ref=zg_bs_tab_pd_bsnr_2?_encoding=UTF8&psc=1&refRID=ZBK6VTXQRA2F77RYZ602
Kindle
https://www.amazon.ca/dp/B073V5R72H/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1500130568&sr=1-1
DONATE HERE:
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1:12

Inflation, Lender vs Borrower

Inflation, Lender vs Borrower

Inflation, Lender vs Borrower

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3:35

How Interest Rates Are Set: The Fed's New Tools Explained

How Interest Rates Are Set: The Fed's New Tools Explained

How Interest Rates Are Set: The Fed's New Tools Explained

The Federal Reserve has kept interest rates at near zero since the 2008 financial crisis. To raise them, it has come up with a new set of tools. A WSJ explainer.
Subscribe to the WSJ channel here:
http://bit.ly/14Q81Xy
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7:58

Fractional Reserve Banking Explained - Fraud Becomes Legal

Fractional Reserve Banking Explained - Fraud Becomes Legal

Fractional Reserve Banking Explained - Fraud Becomes Legal

Fractional Reserve Banking Explained: Fraud Becomes Legal
The gap between the very rich and the rest of us is getting bigger. Is the 'trickle-down' theory correct?
Fractional-reserve banking is the practice whereby a bank accepts deposits, makes loans or investments, and holds reserves that are a fraction of its deposit liabilities. Reserves are held at the bank as currency, or as deposits in the bank's accounts at the central bank. Fractional-reserve banking is the current form of banking practiced in most countries worldwide.
Fractional-reserve banking allows banks to act as financial intermediaries between borrowers and savers, and to provide longer-term loans to borrowers while providing immediate liquidity to depositors (providing the function of maturity transformation). However, a bank can experience a bank run if depositors wish to withdraw more funds than the reserves held by the bank. To mitigate the risks of bank runs and systemic crises (when problems are extreme and widespread), governments of most countries regulate and oversee commercial banks, provide deposit insurance and act as lender of last resort to commercial banks.
Because bank deposits are usually considered money in their own right, and because banks hold reserves that are less than their deposit liabilities, fractional-reserve banking permits the money supply to grow beyond the amount of the underlying reserves of base money originally created by the central bank. In most countries, the central bank (or other monetary authority) regulates bank credit creation, imposing reserve requirements and capital adequacy ratios. This can limit the amount of money creation that occurs in the commercial banking system, and helps to ensure that banks are solvent and have enough funds to meet demand for withdrawals. However, rather than directly controlling the money supply, central banks usually pursue an interest rate target to control inflation and bank issuance of credit.
Subscribe to this channel - https://www.youtube.com/channel/UCPi6euzgQgW8lXDLAw152Pg
Fractional Reserve Banking wiki - https://en.wikipedia.org/wiki/Fractional-reserve_banking
Fractional Reserve Banking - http://www.investopedia.com/terms/f/fractionalreservebanking.aspUnderstanding the Fractional Reserve Banking System - http://www.learningmarkets.com/understanding-the-fractional-reserve-banking-system/
Ron Paul and Fractional Reserve Banking - http://www.forbes.com/sites/johntamny/2012/07/29/ron-paul-fractional-reserve-banking-and-the-money-multiplier-myth/#6c54f4976704
End Fractional Reserve Banking and Fix the Economy - http://positivemoney.org/2013/09/can-money-be-converted-to-everlasting-tokens/
CentralBanks - http://www.centralbanksguide.com/fractional+reserve+banking/
Fractional Reserve Lending - http://rationalwiki.org/wiki/Fractional-reserve_banking
Fractional ReserveCrash Course - http://www.peakprosperity.com/blog/86445/money-creation-banks-crash-course-chapter-7
Fractional Reserve Banking Explained - https://www.frbatlanta.org/education/classroom-economist/fractional-reserve-banking/economists-perspective-transcript
Central BankRates / Worldwide Interest Rates - http://www.cbrates.com/
History and Origins of Fractional Reserve Banking - http://wakeupfromyourslumber.blogspot.ca/2005/12/origins-of-fractional-reserve-banking.html
How Banks CreateMoney - http://positivemoney.org/how-money-works/how-banks-create-money/
Money Creation - https://en.wikipedia.org/wiki/Money_creation
FiatCurrency - http://dailyreckoning.com/fiat-currency/
As always, use this info to gather more info.

Josh Sigurdson talks with author and economic analyst JohnSneisen about the most recent news regarding the Canadian economy as inflation hit its highest level since 2011, interest rates skyrocket and Bank of CanadaGovernorStephen Poloz gives excuses.
Poloz claims the recent inflation is just transitory and that he saw it coming. Well, in the end, we're comparing one fiat currency, the Canadian Dollar to another fiat currency, the US Dollar. Both are falling. One just takes turns falling faster.
Inflation will continue to go up in Canada. There's no escaping it. There's no scarcity, it's a centrally planned currency and many of the banks in Canada are taking part in fractional reserve lending. The same banks are insolvent as their cash to deposit ratio clearly shows. Meanwhile, there's a massive bubble in real estate in Toronto and Vancouver. There's a massive pension shortfall. There's a massive bubble at the Toronto Stock Exchange. There's a global derivatives bubble. The price of living is going up. There are countless taxes plaguing people like the income tax, property tax, business tax, capital gains tax, eco-tax, PST, GST, MST and of course among many more, the carbon tax. People are in poverty and the government feels the populace needs more of the thing that causes the problem in the first place to fix it...Government.
Regulations are restricting the market from competing. There's no incentive for innovation and competition in the markets when government monopolizes massive corporations.
All fiat currencies eventually revert to their true value of zero. They always have, they always will going back to 1024AD in China. This time is no different though the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on the crash, we just know that it will indeed happen.
So getting prepared is crucial. One must look towards decetralization, independence, self sustainability. People must be financially educated and responsible. Individual responsibility is the hallmark of freedom itself after all.
Gold, silver and cryptocurrencies are great. Of course this is our opinion, not investment advice, but gold and silver aren't investments anyways. They're wealth insurance. They have been for many centuries. Cryptocurrencies are great ways to decentralize and get out of the banking and governmental systems.
Stay tuned for more as we continue to cover this story as it elapses.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
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"Find the truth, be the change!"

9:56

June 23 The dollar, The Fed, condo lending, inflation

June 23 The dollar, The Fed, condo lending, inflation

June 23 The dollar, The Fed, condo lending, inflation

also check me out on http://www.facebook.com/schiffreport and http://www.twitter.com/schiffreport

5:13

Debt Crisis of United States of America 2018 Explained in a Simplified Way

Debt Crisis of United States of America 2018 Explained in a Simplified Way

Debt Crisis of United States of America 2018 Explained in a Simplified Way

DebtCrisis in United States of America, A Simplified way of understanding the whole scenario of the debt crisis, the inevitable collapse of the american Economy.
A must watch simple explanation video for understanding the scenario of US Economy, inflation, stagflation, recession etc. for all those who are considering to shift their jobs and businesses to US in coming future,
Sorry for the outdated data figures in the video but it will give you a straight and simple idea about the thing.
Debt Crisis: http://en.wikipedia.org/wiki/Debt_crisis
US Debt Crisis 2013: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2013
US debt crisis2011: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2011
Stagflation: http://en.wikipedia.org/wiki/Stagflation
Some Featured Thoughts by viewers:
DavidHung: In order not to pay their debt , The evil U.S government will start wars all over the wold , like they always do in the past , in north Africa , Mid-East , South America & wish to overthrow their biggest creditor China . When U.S government use their borrow-money to build army , weapons & missile to kill human life , they even say they believe in God ,how would God answer this BS ! The most bad thing in the world is that you borrow money and you do not pay back , so you kill the person you borrow money from.
Cassio VA : Solutions:
1- Make the bigs companies pay taxes
2- Stop burning money whit military things
3- TurnCommunismEmperor Tikacuti : The preparation will be, WWIII and the collapse of the American imperial economy, because the American Empire owes more than 20 trillion dollars, both to the nations of the world and the government. If they continue to borrow money from other nations, other nations will feel threatened and will rise as anti-Americans, because they don't want their money to be stolen and borrowing money from the bank will lead to serious problems, for internal debt, whether banking, IRS, companies, insurances and even health care and whatever they're doing against nations and itself and citizens refuse to pay but spend on materials and products, the fault will not be the government but the people as well, because the American Empire isn't ruled by the government but by the people, who caused the collapse and starting a war against nations for resource like Nazi Germany. WWIII will lead the collapse of the American Empire and Capitalism, ending the Cold War and other problems and that time will come, when the bomb hits.
Goler Soft 7: how does the government pay back the us debt by putting the fed printed money in banks all around america? and plus the fed charges interest witch puts the government in more debt. so basicly dats paying debt wit debt. also, how does paying back the debt with the federal reserve money cause inflation when the governments not putting the loaned fed money in the economy just using it on the debt? or mabey the government isnt using it to pay the debt. mabye there just putting it in the ecconomy causing inflation claiming there paying off the debt, but really causing inflation. but why?
kalatapie: there are two easy steps in fixing the debt crisis:
step 1: increce the taxes on the wealthy people. why? because it is not normal for a man to make more money a day than an american makes a lifetime!
stem 2: reduce military spending. because, seriously, the cold war is over. you do not need to spend 20% of your GDP in the military considering that there is no major threat for your country.
Demogorgon47 : And when the global financial collapse happens revolution will most likely begin. Millions will die from lack of resources and warfare. People will be calling for the heads of the douchebags that enacted the ridiculous federal reserves that corrupted the whole fucking system to begin with. Reserve banks are the cancer in the system. Loaning the people the nation's currency at interest in a huge fucking mistake. A robbery of the worst kind and it'll bring the whole system crashing down because a few greedy fucks decided to rob EVERYONE world wide. It's a broken system. Either replace it with a resource based economy or hold the greedy fucks accountable. Oh that's right they've got everyone in their pocket so they're untouchable. Fucking bullshit. Why is it no one listens to voice of reason? If people did so maybe we wouldn't be heading towards extinction by greed!
My FacebookPage: https://www.facebook.com/AkashVedi.Page
My Twitter Page: http://twitter.com/AkashVedi
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Does Quantitative Easing Cause Inflation?

http://www.patrickschwerdtfeger.com/sbi/
DoesQuantitative Easing cause inflation? Not when capacity utilization is low. When there is "slack in the line", Quantitative Easing (essentially a monetary policy of printing money and buying bonds with it) does not cause immediate inflation, nor does it simulate lending by the banks. In the end, Quantitative Easing only definitively succeeds at one thing, and that is keeping long-term interest rates low. But what we WILL see in the years ahead is currency wars masquerading as inflation-seeking policies.

Unexpected inflation or deflation takes wealth away from one group and gives it to another group. This video talks about the winners and losers from inflation and deflation. Practice this yourself on Khan Academy right now: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/e/the-costs-of-inflation?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/real-vs-nominal-gdp/v/real-gdp-and-nominal-gdp?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro AP(R) Macroeconomics on Khan Academy: Macroeconomics is all about how an entire nationÕs performance is determined and improved over time. Learn how factors like unemployment, inflation, interest rates, economic growth, and recessions are caused and how they affect individuals and society as a whole. We hit the traditional topics from an AP Macroeconomics course, including basic economic concepts, economic indicators and the business cycle, national income and price determination, the financial sector, the long-run consequences of stabilization policies, and international trade and finance. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything https://www.youtube.com/subscription_center?add_user=khanacademy.
View more lessons or practice this subject at http://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/v/winners-and-losers-from-inflation-and-deflation-ap-macroeconomics-khan-academy?utm_source=youtube&utm_medium=desc&utm_campaign=apmacroeconomics
AP Macroeconomics on Khan Academy: Welcome to Economics! In this lesson we'll define Economic and introduce some of the fundamental tools and perspectives economists use to understand the world around us!
Khan Academy is a nonprofit organization with the mission of providing a free, world-class education for anyone, anywhere. We offer quizzes, questions, instructional videos, and articles on a range of academic subjects, including math, biology, chemistry, physics, history, economics, finance, grammar, preschool learning, and more. We provide teachers with tools and data so they can help their students develop the skills, habits, and mindsets for success in school and beyond. Khan Academy has been translated into dozens of languages, and 15 million people around the globe learn on Khan Academy every month. As a 501(c)(3) nonprofit organization, we would love your help! Donate or volunteer today!
Donate here: https://www.khanacademy.org/donate?utm_source=youtube&utm_medium=desc
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Effects of Inflation in Borrowing and Lending

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

published: 14 Apr 2016

Costs of Inflation: Financial Intermediation Failure

In the previous video, we learned that inflation can add noise to price signals resulting in some costly mistakes from price confusion and money illusion. Now, we’ll look at how it can interfere with long-term contracting with financial intermediaries.
Let’s say you want to take out a big loan, such as a mortgage on a house. The financial intermediary (in this case, a commercial bank) is going to charge you an interest rate as their profit for loaning you the money. In this situation, inflation has the potential to work against you or it can work against the bank.
If the bank charges you a nominal interest rate (i.e., the interest rate on paper before taking inflation into account) of 5% and inflation climbs unexpectedly to 10% for the year, the real interest rate (nominal minus inflatio...

published: 07 Feb 2017

How inflation will impact the interest you pay on loans

I used the calculator at http://www.foreseenfortune.com to run the analysis.
One correction, all of the information in "Loan Contribution" column reflects the loan INTEREST and not the actual loan PAYMENT.
For educational purposes only.

published: 01 Jun 2016

What is the impact of inflation?

published: 13 Nov 2016

The TRUTH About Inflation & The CRASH To Come!

Josh Sigurdson talks with author and economic analyst JohnSneisen about the recent news that inflation in the United States reached an 6 year high.
Breaking down this news, we take a trip through the past, present and future of inflation, why it happens and what can be done.
Inflation is a hidden tax and it's an absolute scourge. One of the greatest reasons we see such vast poverty today is due to inflation. The purchasing power of fiat currency falls like a rock as vast printing, quantitative easing and fractional reserve lending lead to vast debt and devaluation.
This results in our food going up in value alongside everything else.
Currently the official numbers show the U.S. has an inflation rate of about 2.9%. This is incorrect when you look at the shadow stats by John Williams as...

published: 19 Jul 2018

Inflation, Lender vs Borrower

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

published: 14 Apr 2016

How Interest Rates Are Set: The Fed's New Tools Explained

The Federal Reserve has kept interest rates at near zero since the 2008 financial crisis. To raise them, it has come up with a new set of tools. A WSJ explainer.
Subscribe to the WSJ channel here:
http://bit.ly/14Q81Xy
More from the Wall Street Journal:
VisitWSJ.com: http://www.wsj.com
Follow WSJ on Facebook: http://www.facebook.com/wsjvideo
Follow WSJ on Google+: https://plus.google.com/+wsj/posts
Follow WSJ on Twitter: https://twitter.com/WSJvideo
Follow WSJ on Instagram: http://instagram.com/wsj
Follow WSJ on Pinterest: http://www.pinterest.com/wsj/
Don’t miss a WSJ video, subscribe here: http://bit.ly/14Q81Xy
More from the Wall Street Journal:
Visit WSJ.com: http://www.wsj.com
Visit the WSJ VideoCenter: https://wsj.com/video
On Facebook: https://www.facebook.com/pg/wsj/videos...

published: 17 Sep 2015

Fractional Reserve Banking Explained - Fraud Becomes Legal

Fractional Reserve Banking Explained: Fraud Becomes Legal
The gap between the very rich and the rest of us is getting bigger. Is the 'trickle-down' theory correct?
Fractional-reserve banking is the practice whereby a bank accepts deposits, makes loans or investments, and holds reserves that are a fraction of its deposit liabilities. Reserves are held at the bank as currency, or as deposits in the bank's accounts at the central bank. Fractional-reserve banking is the current form of banking practiced in most countries worldwide.
Fractional-reserve banking allows banks to act as financial intermediaries between borrowers and savers, and to provide longer-term loans to borrowers while providing immediate liquidity to depositors (providing the function of maturity transformation). However,...

Josh Sigurdson talks with author and economic analyst JohnSneisen about the most recent news regarding the Canadian economy as inflation hit its highest level since 2011, interest rates skyrocket and Bank of CanadaGovernorStephen Poloz gives excuses.
Poloz claims the recent inflation is just transitory and that he saw it coming. Well, in the end, we're comparing one fiat currency, the Canadian Dollar to another fiat currency, the US Dollar. Both are falling. One just takes turns falling faster.
Inflation will continue to go up in Canada. There's no escaping it. There's no scarcity, it's a centrally planned currency and many of the banks in Canada are taking part in fractional reserve lending. The same banks are insolvent as their cash to deposit ratio clearly shows. Meanwhile, there's...

published: 27 Aug 2018

June 23 The dollar, The Fed, condo lending, inflation

also check me out on http://www.facebook.com/schiffreport and http://www.twitter.com/schiffreport

published: 23 Jun 2009

Debt Crisis of United States of America 2018 Explained in a Simplified Way

DebtCrisis in United States of America, A Simplified way of understanding the whole scenario of the debt crisis, the inevitable collapse of the american Economy.
A must watch simple explanation video for understanding the scenario of US Economy, inflation, stagflation, recession etc. for all those who are considering to shift their jobs and businesses to US in coming future,
Sorry for the outdated data figures in the video but it will give you a straight and simple idea about the thing.
Debt Crisis: http://en.wikipedia.org/wiki/Debt_crisis
US Debt Crisis 2013: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2013
US debt crisis2011: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2011
Stagflation: http://en.wikipedia.org/wiki/Stagflation
Some Fea...

Does Quantitative Easing Cause Inflation?

http://www.patrickschwerdtfeger.com/sbi/
DoesQuantitative Easing cause inflation? Not when capacity utilization is low. When there is "slack in the line", Quantitative Easing (essentially a monetary policy of printing money and buying bonds with it) does not cause immediate inflation, nor does it simulate lending by the banks. In the end, Quantitative Easing only definitively succeeds at one thing, and that is keeping long-term interest rates low. But what we WILL see in the years ahead is currency wars masquerading as inflation-seeking policies.

Unexpected inflation or deflation takes wealth away from one group and gives it to another group. This video talks about the winners and losers from inflation and deflation. Practice this yourself on Khan Academy right now: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/e/the-costs-of-inflation?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/real-vs-nominal-gdp/v/real-gdp-and-nominal-gdp?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro AP(R) Macroeconomics on Khan Academy: Macroeconomics is all about how an entire nationÕs performance is determined and improved ov...

Effects of Inflation in Borrowing and Lending

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free to...

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

Costs of Inflation: Financial Intermediation Failure

In the previous video, we learned that inflation can add noise to price signals resulting in some costly mistakes from price confusion and money illusion. Now, ...

In the previous video, we learned that inflation can add noise to price signals resulting in some costly mistakes from price confusion and money illusion. Now, we’ll look at how it can interfere with long-term contracting with financial intermediaries.
Let’s say you want to take out a big loan, such as a mortgage on a house. The financial intermediary (in this case, a commercial bank) is going to charge you an interest rate as their profit for loaning you the money. In this situation, inflation has the potential to work against you or it can work against the bank.
If the bank charges you a nominal interest rate (i.e., the interest rate on paper before taking inflation into account) of 5% and inflation climbs unexpectedly to 10% for the year, the real interest rate (nominal minus inflation) falls to -5%. The bank actually loses money. However, if inflation has been higher and banks are charging 15% for mortgages and inflation rates fall unexpectedly to 3%, you’re stuck paying a real interest rate of 12%!
The above scenarios are similar to what actually happened in the United States in the 1960s and 1970s. Inflation was low in the 60s. But then in 70s, inflation rates climbed up unexpectedly. People that purchased a home in the 60s lucked out with low interest rates on their mortgages coupled with higher inflation, and many were able to pay off the loans more quickly than expected. But anyone that purchased a higher interest rate mortgage in the 70s only saw inflation fall back down. It was good for the banks and a costly choice for the homeowners. They were saddled with a high-interest mortgage while lower inflation meant a lower increase in wages.
It’s not that the people buying homes in the 1960s were smarter than those in the 70s. As we’ve noted in previous videos, inflation can be very difficult to predict. When banks expect that inflation might be 10% in the coming years, they will generally adjust their nominal interest rates in order to achieve the desired real interest rate. This relationship between real and nominal interest rates and inflation is known as the Fisher effect, after economist Irving Fisher.
We can see the Fisher effect in the data for nominal interest rates on U.S. mortgages from the 1960s through today. As inflation rates rise, nominal interest rates try to keep up. And as the inflation rates fall, nominal interest rates trail behind.
Now, if inflation rates are both high and volatile, lending and borrowing gets scary for both sides. Long-term contracts like mortgages become more costly for everyone with much higher risk, so it happens less. This is damaging for an economy. Coordinating saving and investment is an important function of the market. If high and volatile inflation is making that inefficient and less common, total wealth declines.
Up next, we’ll explore why governments create inflation in the first place.
Subscribe for new videos every Tuesday! http://bit.ly/1Rib5V8
Macroeconomics Course: http://bit.ly/1R1PL5x
Ask a question about the video: http://bit.ly/2ka5M3j
Next video: http://bit.ly/2lrhcil

In the previous video, we learned that inflation can add noise to price signals resulting in some costly mistakes from price confusion and money illusion. Now, we’ll look at how it can interfere with long-term contracting with financial intermediaries.
Let’s say you want to take out a big loan, such as a mortgage on a house. The financial intermediary (in this case, a commercial bank) is going to charge you an interest rate as their profit for loaning you the money. In this situation, inflation has the potential to work against you or it can work against the bank.
If the bank charges you a nominal interest rate (i.e., the interest rate on paper before taking inflation into account) of 5% and inflation climbs unexpectedly to 10% for the year, the real interest rate (nominal minus inflation) falls to -5%. The bank actually loses money. However, if inflation has been higher and banks are charging 15% for mortgages and inflation rates fall unexpectedly to 3%, you’re stuck paying a real interest rate of 12%!
The above scenarios are similar to what actually happened in the United States in the 1960s and 1970s. Inflation was low in the 60s. But then in 70s, inflation rates climbed up unexpectedly. People that purchased a home in the 60s lucked out with low interest rates on their mortgages coupled with higher inflation, and many were able to pay off the loans more quickly than expected. But anyone that purchased a higher interest rate mortgage in the 70s only saw inflation fall back down. It was good for the banks and a costly choice for the homeowners. They were saddled with a high-interest mortgage while lower inflation meant a lower increase in wages.
It’s not that the people buying homes in the 1960s were smarter than those in the 70s. As we’ve noted in previous videos, inflation can be very difficult to predict. When banks expect that inflation might be 10% in the coming years, they will generally adjust their nominal interest rates in order to achieve the desired real interest rate. This relationship between real and nominal interest rates and inflation is known as the Fisher effect, after economist Irving Fisher.
We can see the Fisher effect in the data for nominal interest rates on U.S. mortgages from the 1960s through today. As inflation rates rise, nominal interest rates try to keep up. And as the inflation rates fall, nominal interest rates trail behind.
Now, if inflation rates are both high and volatile, lending and borrowing gets scary for both sides. Long-term contracts like mortgages become more costly for everyone with much higher risk, so it happens less. This is damaging for an economy. Coordinating saving and investment is an important function of the market. If high and volatile inflation is making that inefficient and less common, total wealth declines.
Up next, we’ll explore why governments create inflation in the first place.
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How inflation will impact the interest you pay on loans

I used the calculator at http://www.foreseenfortune.com to run the analysis.
One correction, all of the information in "Loan Contribution" column reflects the ...

I used the calculator at http://www.foreseenfortune.com to run the analysis.
One correction, all of the information in "Loan Contribution" column reflects the loan INTEREST and not the actual loan PAYMENT.
For educational purposes only.

I used the calculator at http://www.foreseenfortune.com to run the analysis.
One correction, all of the information in "Loan Contribution" column reflects the loan INTEREST and not the actual loan PAYMENT.
For educational purposes only.

Josh Sigurdson talks with author and economic analyst JohnSneisen about the recent news that inflation in the United States reached an 6 year high.
Breaking down this news, we take a trip through the past, present and future of inflation, why it happens and what can be done.
Inflation is a hidden tax and it's an absolute scourge. One of the greatest reasons we see such vast poverty today is due to inflation. The purchasing power of fiat currency falls like a rock as vast printing, quantitative easing and fractional reserve lending lead to vast debt and devaluation.
This results in our food going up in value alongside everything else.
Currently the official numbers show the U.S. has an inflation rate of about 2.9%. This is incorrect when you look at the shadow stats by John Williams assessing the 1980s charts which show inflation is closer to about 10% in the United States. Talk about a jump.
We look at inflation and currency devaluation throughout history. For example, the Weimar Republic's hyperinflation, Zimbabwe's homeless trillionaires, Argentina's obsession with printing currency, South Sudan, Suriname, Croatia and of course Venezuela who is dealing with a massive crisis as we speak.
Then we look at the present situation and with that lead into the future of this racket. The centrally planned cashless society. It's a desperation move as the Federal Reserve attempts to pull interest rates up so they can drop them out without going negative, but it won't work. Between 2008 and 2012, the Fed dropped interest rates 5.5%. That simply put off the crash. It didn't fix anything. Now the weight is even heavier on our shoulders, interest rates will have to go negative like Sweden which played right into their cashless system.
If your money's in the bank, it's not yours, it's the bank's and if your money's always going through the banks via digital transactions and legal tender laws, it's NEVER your money and it's ALWAYS the bank's. That makes you a puppet of the banking and governmental system.
There appears to be a massive attempt out of Sweden, China and India to be the test grounds for the global centrally planned cashless society where one cannot stop a bank run, a bail-in, surveillance, etc. But of course a great part of value is scarcity and by creating vast currency at an endless rate, you lose scarcity, so you lose demand and you end up with a worthless currency.
Cryptocurrencies on the other hand when fundamentally useful stand to be a solution to this madness. Scarcity, application use and demand are what makes silver and gold so useful as wealth insurance. The same goes for Bitcoin as a new revolutionary way to free individuals from the central banking system. We go into many solutions for free individuals.
Remember, all fiat currencies eventually revert to their true value of zero, they always have, they always will going back to 1024AD in China. This time will be no different. Though, the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on it, we just know it will happen and for that reason it's better people are overprepared than underprepared. History has taught us that this system of collectivist centralization will revolve in circles for eternity as long as we do not understand it. So either you as an individual should learn to control your money, or your money will control you. This is why we need to hand it to individual demand on the free market. Competing currencies. No more fiat.
Stay tuned for more from WAM!
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
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2018
"Find the truth, be the change!"

Josh Sigurdson talks with author and economic analyst JohnSneisen about the recent news that inflation in the United States reached an 6 year high.
Breaking down this news, we take a trip through the past, present and future of inflation, why it happens and what can be done.
Inflation is a hidden tax and it's an absolute scourge. One of the greatest reasons we see such vast poverty today is due to inflation. The purchasing power of fiat currency falls like a rock as vast printing, quantitative easing and fractional reserve lending lead to vast debt and devaluation.
This results in our food going up in value alongside everything else.
Currently the official numbers show the U.S. has an inflation rate of about 2.9%. This is incorrect when you look at the shadow stats by John Williams assessing the 1980s charts which show inflation is closer to about 10% in the United States. Talk about a jump.
We look at inflation and currency devaluation throughout history. For example, the Weimar Republic's hyperinflation, Zimbabwe's homeless trillionaires, Argentina's obsession with printing currency, South Sudan, Suriname, Croatia and of course Venezuela who is dealing with a massive crisis as we speak.
Then we look at the present situation and with that lead into the future of this racket. The centrally planned cashless society. It's a desperation move as the Federal Reserve attempts to pull interest rates up so they can drop them out without going negative, but it won't work. Between 2008 and 2012, the Fed dropped interest rates 5.5%. That simply put off the crash. It didn't fix anything. Now the weight is even heavier on our shoulders, interest rates will have to go negative like Sweden which played right into their cashless system.
If your money's in the bank, it's not yours, it's the bank's and if your money's always going through the banks via digital transactions and legal tender laws, it's NEVER your money and it's ALWAYS the bank's. That makes you a puppet of the banking and governmental system.
There appears to be a massive attempt out of Sweden, China and India to be the test grounds for the global centrally planned cashless society where one cannot stop a bank run, a bail-in, surveillance, etc. But of course a great part of value is scarcity and by creating vast currency at an endless rate, you lose scarcity, so you lose demand and you end up with a worthless currency.
Cryptocurrencies on the other hand when fundamentally useful stand to be a solution to this madness. Scarcity, application use and demand are what makes silver and gold so useful as wealth insurance. The same goes for Bitcoin as a new revolutionary way to free individuals from the central banking system. We go into many solutions for free individuals.
Remember, all fiat currencies eventually revert to their true value of zero, they always have, they always will going back to 1024AD in China. This time will be no different. Though, the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on it, we just know it will happen and for that reason it's better people are overprepared than underprepared. History has taught us that this system of collectivist centralization will revolve in circles for eternity as long as we do not understand it. So either you as an individual should learn to control your money, or your money will control you. This is why we need to hand it to individual demand on the free market. Competing currencies. No more fiat.
Stay tuned for more from WAM!
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
FIND US ON STEEMIT:
https://steemit.com/@joshsigurdson
BUYJOHN SNEISEN'S LATEST BOOK HERE:
Paperback
https://www.amazon.com/dp/1988497051/ref=zg_bs_tab_pd_bsnr_2?_encoding=UTF8&psc=1&refRID=ZBK6VTXQRA2F77RYZ602
Kindle
https://www.amazon.ca/dp/B073V5R72H/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1500130568&sr=1-1
DONATE HERE:
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Help keep independent media alive!
Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship!
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WorldAlternative Media
2018
"Find the truth, be the change!"

Inflation, Lender vs Borrower

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free to...

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

-- Created using PowToon -- Freesign up at http://www.powtoon.com/youtube/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.

The Federal Reserve has kept interest rates at near zero since the 2008 financial crisis. To raise them, it has come up with a new set of tools. A WSJ explainer.
Subscribe to the WSJ channel here:
http://bit.ly/14Q81Xy
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On Facebook: https://www.facebook.com/pg/wsj/videos/
On Twitter: https://twitter.com/WSJ
On Snapchat: https://on.wsj.com/2ratjSM

The Federal Reserve has kept interest rates at near zero since the 2008 financial crisis. To raise them, it has come up with a new set of tools. A WSJ explainer.
Subscribe to the WSJ channel here:
http://bit.ly/14Q81Xy
More from the Wall Street Journal:
VisitWSJ.com: http://www.wsj.com
Follow WSJ on Facebook: http://www.facebook.com/wsjvideo
Follow WSJ on Google+: https://plus.google.com/+wsj/posts
Follow WSJ on Twitter: https://twitter.com/WSJvideo
Follow WSJ on Instagram: http://instagram.com/wsj
Follow WSJ on Pinterest: http://www.pinterest.com/wsj/
Don’t miss a WSJ video, subscribe here: http://bit.ly/14Q81Xy
More from the Wall Street Journal:
Visit WSJ.com: http://www.wsj.com
Visit the WSJ VideoCenter: https://wsj.com/video
On Facebook: https://www.facebook.com/pg/wsj/videos/
On Twitter: https://twitter.com/WSJ
On Snapchat: https://on.wsj.com/2ratjSM

Fractional Reserve Banking Explained: Fraud Becomes Legal
The gap between the very rich and the rest of us is getting bigger. Is the 'trickle-down' theory correct?
Fractional-reserve banking is the practice whereby a bank accepts deposits, makes loans or investments, and holds reserves that are a fraction of its deposit liabilities. Reserves are held at the bank as currency, or as deposits in the bank's accounts at the central bank. Fractional-reserve banking is the current form of banking practiced in most countries worldwide.
Fractional-reserve banking allows banks to act as financial intermediaries between borrowers and savers, and to provide longer-term loans to borrowers while providing immediate liquidity to depositors (providing the function of maturity transformation). However, a bank can experience a bank run if depositors wish to withdraw more funds than the reserves held by the bank. To mitigate the risks of bank runs and systemic crises (when problems are extreme and widespread), governments of most countries regulate and oversee commercial banks, provide deposit insurance and act as lender of last resort to commercial banks.
Because bank deposits are usually considered money in their own right, and because banks hold reserves that are less than their deposit liabilities, fractional-reserve banking permits the money supply to grow beyond the amount of the underlying reserves of base money originally created by the central bank. In most countries, the central bank (or other monetary authority) regulates bank credit creation, imposing reserve requirements and capital adequacy ratios. This can limit the amount of money creation that occurs in the commercial banking system, and helps to ensure that banks are solvent and have enough funds to meet demand for withdrawals. However, rather than directly controlling the money supply, central banks usually pursue an interest rate target to control inflation and bank issuance of credit.
Subscribe to this channel - https://www.youtube.com/channel/UCPi6euzgQgW8lXDLAw152Pg
Fractional Reserve Banking wiki - https://en.wikipedia.org/wiki/Fractional-reserve_banking
Fractional Reserve Banking - http://www.investopedia.com/terms/f/fractionalreservebanking.aspUnderstanding the Fractional Reserve Banking System - http://www.learningmarkets.com/understanding-the-fractional-reserve-banking-system/
Ron Paul and Fractional Reserve Banking - http://www.forbes.com/sites/johntamny/2012/07/29/ron-paul-fractional-reserve-banking-and-the-money-multiplier-myth/#6c54f4976704
End Fractional Reserve Banking and Fix the Economy - http://positivemoney.org/2013/09/can-money-be-converted-to-everlasting-tokens/
CentralBanks - http://www.centralbanksguide.com/fractional+reserve+banking/
Fractional Reserve Lending - http://rationalwiki.org/wiki/Fractional-reserve_banking
Fractional ReserveCrash Course - http://www.peakprosperity.com/blog/86445/money-creation-banks-crash-course-chapter-7
Fractional Reserve Banking Explained - https://www.frbatlanta.org/education/classroom-economist/fractional-reserve-banking/economists-perspective-transcript
Central BankRates / Worldwide Interest Rates - http://www.cbrates.com/
History and Origins of Fractional Reserve Banking - http://wakeupfromyourslumber.blogspot.ca/2005/12/origins-of-fractional-reserve-banking.html
How Banks CreateMoney - http://positivemoney.org/how-money-works/how-banks-create-money/
Money Creation - https://en.wikipedia.org/wiki/Money_creation
FiatCurrency - http://dailyreckoning.com/fiat-currency/
As always, use this info to gather more info.

Fractional Reserve Banking Explained: Fraud Becomes Legal
The gap between the very rich and the rest of us is getting bigger. Is the 'trickle-down' theory correct?
Fractional-reserve banking is the practice whereby a bank accepts deposits, makes loans or investments, and holds reserves that are a fraction of its deposit liabilities. Reserves are held at the bank as currency, or as deposits in the bank's accounts at the central bank. Fractional-reserve banking is the current form of banking practiced in most countries worldwide.
Fractional-reserve banking allows banks to act as financial intermediaries between borrowers and savers, and to provide longer-term loans to borrowers while providing immediate liquidity to depositors (providing the function of maturity transformation). However, a bank can experience a bank run if depositors wish to withdraw more funds than the reserves held by the bank. To mitigate the risks of bank runs and systemic crises (when problems are extreme and widespread), governments of most countries regulate and oversee commercial banks, provide deposit insurance and act as lender of last resort to commercial banks.
Because bank deposits are usually considered money in their own right, and because banks hold reserves that are less than their deposit liabilities, fractional-reserve banking permits the money supply to grow beyond the amount of the underlying reserves of base money originally created by the central bank. In most countries, the central bank (or other monetary authority) regulates bank credit creation, imposing reserve requirements and capital adequacy ratios. This can limit the amount of money creation that occurs in the commercial banking system, and helps to ensure that banks are solvent and have enough funds to meet demand for withdrawals. However, rather than directly controlling the money supply, central banks usually pursue an interest rate target to control inflation and bank issuance of credit.
Subscribe to this channel - https://www.youtube.com/channel/UCPi6euzgQgW8lXDLAw152Pg
Fractional Reserve Banking wiki - https://en.wikipedia.org/wiki/Fractional-reserve_banking
Fractional Reserve Banking - http://www.investopedia.com/terms/f/fractionalreservebanking.aspUnderstanding the Fractional Reserve Banking System - http://www.learningmarkets.com/understanding-the-fractional-reserve-banking-system/
Ron Paul and Fractional Reserve Banking - http://www.forbes.com/sites/johntamny/2012/07/29/ron-paul-fractional-reserve-banking-and-the-money-multiplier-myth/#6c54f4976704
End Fractional Reserve Banking and Fix the Economy - http://positivemoney.org/2013/09/can-money-be-converted-to-everlasting-tokens/
CentralBanks - http://www.centralbanksguide.com/fractional+reserve+banking/
Fractional Reserve Lending - http://rationalwiki.org/wiki/Fractional-reserve_banking
Fractional ReserveCrash Course - http://www.peakprosperity.com/blog/86445/money-creation-banks-crash-course-chapter-7
Fractional Reserve Banking Explained - https://www.frbatlanta.org/education/classroom-economist/fractional-reserve-banking/economists-perspective-transcript
Central BankRates / Worldwide Interest Rates - http://www.cbrates.com/
History and Origins of Fractional Reserve Banking - http://wakeupfromyourslumber.blogspot.ca/2005/12/origins-of-fractional-reserve-banking.html
How Banks CreateMoney - http://positivemoney.org/how-money-works/how-banks-create-money/
Money Creation - https://en.wikipedia.org/wiki/Money_creation
FiatCurrency - http://dailyreckoning.com/fiat-currency/
As always, use this info to gather more info.

Josh Sigurdson talks with author and economic analyst JohnSneisen about the most recent news regarding the Canadian economy as inflation hit its highest level since 2011, interest rates skyrocket and Bank of CanadaGovernorStephen Poloz gives excuses.
Poloz claims the recent inflation is just transitory and that he saw it coming. Well, in the end, we're comparing one fiat currency, the Canadian Dollar to another fiat currency, the US Dollar. Both are falling. One just takes turns falling faster.
Inflation will continue to go up in Canada. There's no escaping it. There's no scarcity, it's a centrally planned currency and many of the banks in Canada are taking part in fractional reserve lending. The same banks are insolvent as their cash to deposit ratio clearly shows. Meanwhile, there's a massive bubble in real estate in Toronto and Vancouver. There's a massive pension shortfall. There's a massive bubble at the Toronto Stock Exchange. There's a global derivatives bubble. The price of living is going up. There are countless taxes plaguing people like the income tax, property tax, business tax, capital gains tax, eco-tax, PST, GST, MST and of course among many more, the carbon tax. People are in poverty and the government feels the populace needs more of the thing that causes the problem in the first place to fix it...Government.
Regulations are restricting the market from competing. There's no incentive for innovation and competition in the markets when government monopolizes massive corporations.
All fiat currencies eventually revert to their true value of zero. They always have, they always will going back to 1024AD in China. This time is no different though the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on the crash, we just know that it will indeed happen.
So getting prepared is crucial. One must look towards decetralization, independence, self sustainability. People must be financially educated and responsible. Individual responsibility is the hallmark of freedom itself after all.
Gold, silver and cryptocurrencies are great. Of course this is our opinion, not investment advice, but gold and silver aren't investments anyways. They're wealth insurance. They have been for many centuries. Cryptocurrencies are great ways to decentralize and get out of the banking and governmental systems.
Stay tuned for more as we continue to cover this story as it elapses.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
FIND US ON STEEMIT:
https://steemit.com/@joshsigurdson
BUYJOHN SNEISEN'S LATEST BOOK HERE:
Paperback
https://www.amazon.com/dp/1988497051/ref=zg_bs_tab_pd_bsnr_2?_encoding=UTF8&psc=1&refRID=ZBK6VTXQRA2F77RYZ602
Kindle
https://www.amazon.ca/dp/B073V5R72H/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1500130568&sr=1-1
DONATE HERE:
https://www.gofundme.com/w3e2es
Help keep independent media alive!
Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship!
https://www.patreon.com/user?u=2652072&ty=h&u=2652072
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18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU
https://anarchapulco.com/buy-your-tickets/
Use Promo Code: wam to save on your tickets!
WorldAlternative Media
2018
"Find the truth, be the change!"

Josh Sigurdson talks with author and economic analyst JohnSneisen about the most recent news regarding the Canadian economy as inflation hit its highest level since 2011, interest rates skyrocket and Bank of CanadaGovernorStephen Poloz gives excuses.
Poloz claims the recent inflation is just transitory and that he saw it coming. Well, in the end, we're comparing one fiat currency, the Canadian Dollar to another fiat currency, the US Dollar. Both are falling. One just takes turns falling faster.
Inflation will continue to go up in Canada. There's no escaping it. There's no scarcity, it's a centrally planned currency and many of the banks in Canada are taking part in fractional reserve lending. The same banks are insolvent as their cash to deposit ratio clearly shows. Meanwhile, there's a massive bubble in real estate in Toronto and Vancouver. There's a massive pension shortfall. There's a massive bubble at the Toronto Stock Exchange. There's a global derivatives bubble. The price of living is going up. There are countless taxes plaguing people like the income tax, property tax, business tax, capital gains tax, eco-tax, PST, GST, MST and of course among many more, the carbon tax. People are in poverty and the government feels the populace needs more of the thing that causes the problem in the first place to fix it...Government.
Regulations are restricting the market from competing. There's no incentive for innovation and competition in the markets when government monopolizes massive corporations.
All fiat currencies eventually revert to their true value of zero. They always have, they always will going back to 1024AD in China. This time is no different though the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on the crash, we just know that it will indeed happen.
So getting prepared is crucial. One must look towards decetralization, independence, self sustainability. People must be financially educated and responsible. Individual responsibility is the hallmark of freedom itself after all.
Gold, silver and cryptocurrencies are great. Of course this is our opinion, not investment advice, but gold and silver aren't investments anyways. They're wealth insurance. They have been for many centuries. Cryptocurrencies are great ways to decentralize and get out of the banking and governmental systems.
Stay tuned for more as we continue to cover this story as it elapses.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
FIND US ON STEEMIT:
https://steemit.com/@joshsigurdson
BUYJOHN SNEISEN'S LATEST BOOK HERE:
Paperback
https://www.amazon.com/dp/1988497051/ref=zg_bs_tab_pd_bsnr_2?_encoding=UTF8&psc=1&refRID=ZBK6VTXQRA2F77RYZ602
Kindle
https://www.amazon.ca/dp/B073V5R72H/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1500130568&sr=1-1
DONATE HERE:
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Help keep independent media alive!
Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship!
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https://anarchapulco.com/buy-your-tickets/
Use Promo Code: wam to save on your tickets!
WorldAlternative Media
2018
"Find the truth, be the change!"

DebtCrisis in United States of America, A Simplified way of understanding the whole scenario of the debt crisis, the inevitable collapse of the american Economy.
A must watch simple explanation video for understanding the scenario of US Economy, inflation, stagflation, recession etc. for all those who are considering to shift their jobs and businesses to US in coming future,
Sorry for the outdated data figures in the video but it will give you a straight and simple idea about the thing.
Debt Crisis: http://en.wikipedia.org/wiki/Debt_crisis
US Debt Crisis 2013: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2013
US debt crisis2011: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2011
Stagflation: http://en.wikipedia.org/wiki/Stagflation
Some Featured Thoughts by viewers:
DavidHung: In order not to pay their debt , The evil U.S government will start wars all over the wold , like they always do in the past , in north Africa , Mid-East , South America & wish to overthrow their biggest creditor China . When U.S government use their borrow-money to build army , weapons & missile to kill human life , they even say they believe in God ,how would God answer this BS ! The most bad thing in the world is that you borrow money and you do not pay back , so you kill the person you borrow money from.
Cassio VA : Solutions:
1- Make the bigs companies pay taxes
2- Stop burning money whit military things
3- TurnCommunismEmperor Tikacuti : The preparation will be, WWIII and the collapse of the American imperial economy, because the American Empire owes more than 20 trillion dollars, both to the nations of the world and the government. If they continue to borrow money from other nations, other nations will feel threatened and will rise as anti-Americans, because they don't want their money to be stolen and borrowing money from the bank will lead to serious problems, for internal debt, whether banking, IRS, companies, insurances and even health care and whatever they're doing against nations and itself and citizens refuse to pay but spend on materials and products, the fault will not be the government but the people as well, because the American Empire isn't ruled by the government but by the people, who caused the collapse and starting a war against nations for resource like Nazi Germany. WWIII will lead the collapse of the American Empire and Capitalism, ending the Cold War and other problems and that time will come, when the bomb hits.
Goler Soft 7: how does the government pay back the us debt by putting the fed printed money in banks all around america? and plus the fed charges interest witch puts the government in more debt. so basicly dats paying debt wit debt. also, how does paying back the debt with the federal reserve money cause inflation when the governments not putting the loaned fed money in the economy just using it on the debt? or mabey the government isnt using it to pay the debt. mabye there just putting it in the ecconomy causing inflation claiming there paying off the debt, but really causing inflation. but why?
kalatapie: there are two easy steps in fixing the debt crisis:
step 1: increce the taxes on the wealthy people. why? because it is not normal for a man to make more money a day than an american makes a lifetime!
stem 2: reduce military spending. because, seriously, the cold war is over. you do not need to spend 20% of your GDP in the military considering that there is no major threat for your country.
Demogorgon47 : And when the global financial collapse happens revolution will most likely begin. Millions will die from lack of resources and warfare. People will be calling for the heads of the douchebags that enacted the ridiculous federal reserves that corrupted the whole fucking system to begin with. Reserve banks are the cancer in the system. Loaning the people the nation's currency at interest in a huge fucking mistake. A robbery of the worst kind and it'll bring the whole system crashing down because a few greedy fucks decided to rob EVERYONE world wide. It's a broken system. Either replace it with a resource based economy or hold the greedy fucks accountable. Oh that's right they've got everyone in their pocket so they're untouchable. Fucking bullshit. Why is it no one listens to voice of reason? If people did so maybe we wouldn't be heading towards extinction by greed!
My FacebookPage: https://www.facebook.com/AkashVedi.Page
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DebtCrisis in United States of America, A Simplified way of understanding the whole scenario of the debt crisis, the inevitable collapse of the american Economy.
A must watch simple explanation video for understanding the scenario of US Economy, inflation, stagflation, recession etc. for all those who are considering to shift their jobs and businesses to US in coming future,
Sorry for the outdated data figures in the video but it will give you a straight and simple idea about the thing.
Debt Crisis: http://en.wikipedia.org/wiki/Debt_crisis
US Debt Crisis 2013: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2013
US debt crisis2011: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2011
Stagflation: http://en.wikipedia.org/wiki/Stagflation
Some Featured Thoughts by viewers:
DavidHung: In order not to pay their debt , The evil U.S government will start wars all over the wold , like they always do in the past , in north Africa , Mid-East , South America & wish to overthrow their biggest creditor China . When U.S government use their borrow-money to build army , weapons & missile to kill human life , they even say they believe in God ,how would God answer this BS ! The most bad thing in the world is that you borrow money and you do not pay back , so you kill the person you borrow money from.
Cassio VA : Solutions:
1- Make the bigs companies pay taxes
2- Stop burning money whit military things
3- TurnCommunismEmperor Tikacuti : The preparation will be, WWIII and the collapse of the American imperial economy, because the American Empire owes more than 20 trillion dollars, both to the nations of the world and the government. If they continue to borrow money from other nations, other nations will feel threatened and will rise as anti-Americans, because they don't want their money to be stolen and borrowing money from the bank will lead to serious problems, for internal debt, whether banking, IRS, companies, insurances and even health care and whatever they're doing against nations and itself and citizens refuse to pay but spend on materials and products, the fault will not be the government but the people as well, because the American Empire isn't ruled by the government but by the people, who caused the collapse and starting a war against nations for resource like Nazi Germany. WWIII will lead the collapse of the American Empire and Capitalism, ending the Cold War and other problems and that time will come, when the bomb hits.
Goler Soft 7: how does the government pay back the us debt by putting the fed printed money in banks all around america? and plus the fed charges interest witch puts the government in more debt. so basicly dats paying debt wit debt. also, how does paying back the debt with the federal reserve money cause inflation when the governments not putting the loaned fed money in the economy just using it on the debt? or mabey the government isnt using it to pay the debt. mabye there just putting it in the ecconomy causing inflation claiming there paying off the debt, but really causing inflation. but why?
kalatapie: there are two easy steps in fixing the debt crisis:
step 1: increce the taxes on the wealthy people. why? because it is not normal for a man to make more money a day than an american makes a lifetime!
stem 2: reduce military spending. because, seriously, the cold war is over. you do not need to spend 20% of your GDP in the military considering that there is no major threat for your country.
Demogorgon47 : And when the global financial collapse happens revolution will most likely begin. Millions will die from lack of resources and warfare. People will be calling for the heads of the douchebags that enacted the ridiculous federal reserves that corrupted the whole fucking system to begin with. Reserve banks are the cancer in the system. Loaning the people the nation's currency at interest in a huge fucking mistake. A robbery of the worst kind and it'll bring the whole system crashing down because a few greedy fucks decided to rob EVERYONE world wide. It's a broken system. Either replace it with a resource based economy or hold the greedy fucks accountable. Oh that's right they've got everyone in their pocket so they're untouchable. Fucking bullshit. Why is it no one listens to voice of reason? If people did so maybe we wouldn't be heading towards extinction by greed!
My FacebookPage: https://www.facebook.com/AkashVedi.Page
My Twitter Page: http://twitter.com/AkashVedi
Video : Tequs http://tequs.com
Like, Comment and Subscribe to the channel for more interactive updates.

Does Quantitative Easing Cause Inflation?

http://www.patrickschwerdtfeger.com/sbi/
DoesQuantitative Easing cause inflation? Not when capacity utilization is low. When there is "slack in the line", Q...

http://www.patrickschwerdtfeger.com/sbi/
DoesQuantitative Easing cause inflation? Not when capacity utilization is low. When there is "slack in the line", Quantitative Easing (essentially a monetary policy of printing money and buying bonds with it) does not cause immediate inflation, nor does it simulate lending by the banks. In the end, Quantitative Easing only definitively succeeds at one thing, and that is keeping long-term interest rates low. But what we WILL see in the years ahead is currency wars masquerading as inflation-seeking policies.

http://www.patrickschwerdtfeger.com/sbi/
DoesQuantitative Easing cause inflation? Not when capacity utilization is low. When there is "slack in the line", Quantitative Easing (essentially a monetary policy of printing money and buying bonds with it) does not cause immediate inflation, nor does it simulate lending by the banks. In the end, Quantitative Easing only definitively succeeds at one thing, and that is keeping long-term interest rates low. But what we WILL see in the years ahead is currency wars masquerading as inflation-seeking policies.

Unexpected inflation or deflation takes wealth away from one group and gives it to another group. This video talks about the winners and losers from inflation a...

Unexpected inflation or deflation takes wealth away from one group and gives it to another group. This video talks about the winners and losers from inflation and deflation. Practice this yourself on Khan Academy right now: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/e/the-costs-of-inflation?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/real-vs-nominal-gdp/v/real-gdp-and-nominal-gdp?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro AP(R) Macroeconomics on Khan Academy: Macroeconomics is all about how an entire nationÕs performance is determined and improved over time. Learn how factors like unemployment, inflation, interest rates, economic growth, and recessions are caused and how they affect individuals and society as a whole. We hit the traditional topics from an AP Macroeconomics course, including basic economic concepts, economic indicators and the business cycle, national income and price determination, the financial sector, the long-run consequences of stabilization policies, and international trade and finance. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything https://www.youtube.com/subscription_center?add_user=khanacademy.
View more lessons or practice this subject at http://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/v/winners-and-losers-from-inflation-and-deflation-ap-macroeconomics-khan-academy?utm_source=youtube&utm_medium=desc&utm_campaign=apmacroeconomics
AP Macroeconomics on Khan Academy: Welcome to Economics! In this lesson we'll define Economic and introduce some of the fundamental tools and perspectives economists use to understand the world around us!
Khan Academy is a nonprofit organization with the mission of providing a free, world-class education for anyone, anywhere. We offer quizzes, questions, instructional videos, and articles on a range of academic subjects, including math, biology, chemistry, physics, history, economics, finance, grammar, preschool learning, and more. We provide teachers with tools and data so they can help their students develop the skills, habits, and mindsets for success in school and beyond. Khan Academy has been translated into dozens of languages, and 15 million people around the globe learn on Khan Academy every month. As a 501(c)(3) nonprofit organization, we would love your help! Donate or volunteer today!
Donate here: https://www.khanacademy.org/donate?utm_source=youtube&utm_medium=desc
Volunteer here: https://www.khanacademy.org/contribute?utm_source=youtube&utm_medium=desc

Unexpected inflation or deflation takes wealth away from one group and gives it to another group. This video talks about the winners and losers from inflation and deflation. Practice this yourself on Khan Academy right now: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/e/the-costs-of-inflation?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/real-vs-nominal-gdp/v/real-gdp-and-nominal-gdp?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro AP(R) Macroeconomics on Khan Academy: Macroeconomics is all about how an entire nationÕs performance is determined and improved over time. Learn how factors like unemployment, inflation, interest rates, economic growth, and recessions are caused and how they affect individuals and society as a whole. We hit the traditional topics from an AP Macroeconomics course, including basic economic concepts, economic indicators and the business cycle, national income and price determination, the financial sector, the long-run consequences of stabilization policies, and international trade and finance. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything https://www.youtube.com/subscription_center?add_user=khanacademy.
View more lessons or practice this subject at http://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/v/winners-and-losers-from-inflation-and-deflation-ap-macroeconomics-khan-academy?utm_source=youtube&utm_medium=desc&utm_campaign=apmacroeconomics
AP Macroeconomics on Khan Academy: Welcome to Economics! In this lesson we'll define Economic and introduce some of the fundamental tools and perspectives economists use to understand the world around us!
Khan Academy is a nonprofit organization with the mission of providing a free, world-class education for anyone, anywhere. We offer quizzes, questions, instructional videos, and articles on a range of academic subjects, including math, biology, chemistry, physics, history, economics, finance, grammar, preschool learning, and more. We provide teachers with tools and data so they can help their students develop the skills, habits, and mindsets for success in school and beyond. Khan Academy has been translated into dozens of languages, and 15 million people around the globe learn on Khan Academy every month. As a 501(c)(3) nonprofit organization, we would love your help! Donate or volunteer today!
Donate here: https://www.khanacademy.org/donate?utm_source=youtube&utm_medium=desc
Volunteer here: https://www.khanacademy.org/contribute?utm_source=youtube&utm_medium=desc

Effects of Inflation in Borrowing and Lending

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Costs of Inflation: Financial Intermediation Failure

In the previous video, we learned that inflation can add noise to price signals resulting in some costly mistakes from price confusion and money illusion. Now, we’ll look at how it can interfere with long-term contracting with financial intermediaries.
Let’s say you want to take out a big loan, such as a mortgage on a house. The financial intermediary (in this case, a commercial bank) is going to charge you an interest rate as their profit for loaning you the money. In this situation, inflation has the potential to work against you or it can work against the bank.
If the bank charges you a nominal interest rate (i.e., the interest rate on paper before taking inflation into account) of 5% and inflation climbs unexpectedly to 10% for the year, the real interest rate (nominal minus inflation) falls to -5%. The bank actually loses money. However, if inflation has been higher and banks are charging 15% for mortgages and inflation rates fall unexpectedly to 3%, you’re stuck paying a real interest rate of 12%!
The above scenarios are similar to what actually happened in the United States in the 1960s and 1970s. Inflation was low in the 60s. But then in 70s, inflation rates climbed up unexpectedly. People that purchased a home in the 60s lucked out with low interest rates on their mortgages coupled with higher inflation, and many were able to pay off the loans more quickly than expected. But anyone that purchased a higher interest rate mortgage in the 70s only saw inflation fall back down. It was good for the banks and a costly choice for the homeowners. They were saddled with a high-interest mortgage while lower inflation meant a lower increase in wages.
It’s not that the people buying homes in the 1960s were smarter than those in the 70s. As we’ve noted in previous videos, inflation can be very difficult to predict. When banks expect that inflation might be 10% in the coming years, they will generally adjust their nominal interest rates in order to achieve the desired real interest rate. This relationship between real and nominal interest rates and inflation is known as the Fisher effect, after economist Irving Fisher.
We can see the Fisher effect in the data for nominal interest rates on U.S. mortgages from the 1960s through today. As inflation rates rise, nominal interest rates try to keep up. And as the inflation rates fall, nominal interest rates trail behind.
Now, if inflation rates are both high and volatile, lending and borrowing gets scary for both sides. Long-term contracts like mortgages become more costly for everyone with much higher risk, so it happens less. This is damaging for an economy. Coordinating saving and investment is an important function of the market. If high and volatile inflation is making that inefficient and less common, total wealth declines.
Up next, we’ll explore why governments create inflation in the first place.
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How inflation will impact the interest you pay on loans

I used the calculator at http://www.foreseenfortune.com to run the analysis.
One correction, all of the information in "Loan Contribution" column reflects the loan INTEREST and not the actual loan PAYMENT.
For educational purposes only.

The TRUTH About Inflation & The CRASH To Come!

Josh Sigurdson talks with author and economic analyst JohnSneisen about the recent news that inflation in the United States reached an 6 year high.
Breaking down this news, we take a trip through the past, present and future of inflation, why it happens and what can be done.
Inflation is a hidden tax and it's an absolute scourge. One of the greatest reasons we see such vast poverty today is due to inflation. The purchasing power of fiat currency falls like a rock as vast printing, quantitative easing and fractional reserve lending lead to vast debt and devaluation.
This results in our food going up in value alongside everything else.
Currently the official numbers show the U.S. has an inflation rate of about 2.9%. This is incorrect when you look at the shadow stats by John Williams assessing the 1980s charts which show inflation is closer to about 10% in the United States. Talk about a jump.
We look at inflation and currency devaluation throughout history. For example, the Weimar Republic's hyperinflation, Zimbabwe's homeless trillionaires, Argentina's obsession with printing currency, South Sudan, Suriname, Croatia and of course Venezuela who is dealing with a massive crisis as we speak.
Then we look at the present situation and with that lead into the future of this racket. The centrally planned cashless society. It's a desperation move as the Federal Reserve attempts to pull interest rates up so they can drop them out without going negative, but it won't work. Between 2008 and 2012, the Fed dropped interest rates 5.5%. That simply put off the crash. It didn't fix anything. Now the weight is even heavier on our shoulders, interest rates will have to go negative like Sweden which played right into their cashless system.
If your money's in the bank, it's not yours, it's the bank's and if your money's always going through the banks via digital transactions and legal tender laws, it's NEVER your money and it's ALWAYS the bank's. That makes you a puppet of the banking and governmental system.
There appears to be a massive attempt out of Sweden, China and India to be the test grounds for the global centrally planned cashless society where one cannot stop a bank run, a bail-in, surveillance, etc. But of course a great part of value is scarcity and by creating vast currency at an endless rate, you lose scarcity, so you lose demand and you end up with a worthless currency.
Cryptocurrencies on the other hand when fundamentally useful stand to be a solution to this madness. Scarcity, application use and demand are what makes silver and gold so useful as wealth insurance. The same goes for Bitcoin as a new revolutionary way to free individuals from the central banking system. We go into many solutions for free individuals.
Remember, all fiat currencies eventually revert to their true value of zero, they always have, they always will going back to 1024AD in China. This time will be no different. Though, the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on it, we just know it will happen and for that reason it's better people are overprepared than underprepared. History has taught us that this system of collectivist centralization will revolve in circles for eternity as long as we do not understand it. So either you as an individual should learn to control your money, or your money will control you. This is why we need to hand it to individual demand on the free market. Competing currencies. No more fiat.
Stay tuned for more from WAM!
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
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Inflation, Lender vs Borrower

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How Interest Rates Are Set: The Fed's New Tools Explained

The Federal Reserve has kept interest rates at near zero since the 2008 financial crisis. To raise them, it has come up with a new set of tools. A WSJ explainer.
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Fractional Reserve Banking Explained - Fraud Becomes Legal

Fractional Reserve Banking Explained: Fraud Becomes Legal
The gap between the very rich and the rest of us is getting bigger. Is the 'trickle-down' theory correct?
Fractional-reserve banking is the practice whereby a bank accepts deposits, makes loans or investments, and holds reserves that are a fraction of its deposit liabilities. Reserves are held at the bank as currency, or as deposits in the bank's accounts at the central bank. Fractional-reserve banking is the current form of banking practiced in most countries worldwide.
Fractional-reserve banking allows banks to act as financial intermediaries between borrowers and savers, and to provide longer-term loans to borrowers while providing immediate liquidity to depositors (providing the function of maturity transformation). However, a bank can experience a bank run if depositors wish to withdraw more funds than the reserves held by the bank. To mitigate the risks of bank runs and systemic crises (when problems are extreme and widespread), governments of most countries regulate and oversee commercial banks, provide deposit insurance and act as lender of last resort to commercial banks.
Because bank deposits are usually considered money in their own right, and because banks hold reserves that are less than their deposit liabilities, fractional-reserve banking permits the money supply to grow beyond the amount of the underlying reserves of base money originally created by the central bank. In most countries, the central bank (or other monetary authority) regulates bank credit creation, imposing reserve requirements and capital adequacy ratios. This can limit the amount of money creation that occurs in the commercial banking system, and helps to ensure that banks are solvent and have enough funds to meet demand for withdrawals. However, rather than directly controlling the money supply, central banks usually pursue an interest rate target to control inflation and bank issuance of credit.
Subscribe to this channel - https://www.youtube.com/channel/UCPi6euzgQgW8lXDLAw152Pg
Fractional Reserve Banking wiki - https://en.wikipedia.org/wiki/Fractional-reserve_banking
Fractional Reserve Banking - http://www.investopedia.com/terms/f/fractionalreservebanking.aspUnderstanding the Fractional Reserve Banking System - http://www.learningmarkets.com/understanding-the-fractional-reserve-banking-system/
Ron Paul and Fractional Reserve Banking - http://www.forbes.com/sites/johntamny/2012/07/29/ron-paul-fractional-reserve-banking-and-the-money-multiplier-myth/#6c54f4976704
End Fractional Reserve Banking and Fix the Economy - http://positivemoney.org/2013/09/can-money-be-converted-to-everlasting-tokens/
CentralBanks - http://www.centralbanksguide.com/fractional+reserve+banking/
Fractional Reserve Lending - http://rationalwiki.org/wiki/Fractional-reserve_banking
Fractional ReserveCrash Course - http://www.peakprosperity.com/blog/86445/money-creation-banks-crash-course-chapter-7
Fractional Reserve Banking Explained - https://www.frbatlanta.org/education/classroom-economist/fractional-reserve-banking/economists-perspective-transcript
Central BankRates / Worldwide Interest Rates - http://www.cbrates.com/
History and Origins of Fractional Reserve Banking - http://wakeupfromyourslumber.blogspot.ca/2005/12/origins-of-fractional-reserve-banking.html
How Banks CreateMoney - http://positivemoney.org/how-money-works/how-banks-create-money/
Money Creation - https://en.wikipedia.org/wiki/Money_creation
FiatCurrency - http://dailyreckoning.com/fiat-currency/
As always, use this info to gather more info.

Josh Sigurdson talks with author and economic analyst JohnSneisen about the most recent news regarding the Canadian economy as inflation hit its highest level since 2011, interest rates skyrocket and Bank of CanadaGovernorStephen Poloz gives excuses.
Poloz claims the recent inflation is just transitory and that he saw it coming. Well, in the end, we're comparing one fiat currency, the Canadian Dollar to another fiat currency, the US Dollar. Both are falling. One just takes turns falling faster.
Inflation will continue to go up in Canada. There's no escaping it. There's no scarcity, it's a centrally planned currency and many of the banks in Canada are taking part in fractional reserve lending. The same banks are insolvent as their cash to deposit ratio clearly shows. Meanwhile, there's a massive bubble in real estate in Toronto and Vancouver. There's a massive pension shortfall. There's a massive bubble at the Toronto Stock Exchange. There's a global derivatives bubble. The price of living is going up. There are countless taxes plaguing people like the income tax, property tax, business tax, capital gains tax, eco-tax, PST, GST, MST and of course among many more, the carbon tax. People are in poverty and the government feels the populace needs more of the thing that causes the problem in the first place to fix it...Government.
Regulations are restricting the market from competing. There's no incentive for innovation and competition in the markets when government monopolizes massive corporations.
All fiat currencies eventually revert to their true value of zero. They always have, they always will going back to 1024AD in China. This time is no different though the fundamentals are off the table due to the level of manipulation in the monetary system and the markets, so one cannot put a date on the crash, we just know that it will indeed happen.
So getting prepared is crucial. One must look towards decetralization, independence, self sustainability. People must be financially educated and responsible. Individual responsibility is the hallmark of freedom itself after all.
Gold, silver and cryptocurrencies are great. Of course this is our opinion, not investment advice, but gold and silver aren't investments anyways. They're wealth insurance. They have been for many centuries. Cryptocurrencies are great ways to decentralize and get out of the banking and governmental systems.
Stay tuned for more as we continue to cover this story as it elapses.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
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Debt Crisis of United States of America 2018 Explained in a Simplified Way

DebtCrisis in United States of America, A Simplified way of understanding the whole scenario of the debt crisis, the inevitable collapse of the american Economy.
A must watch simple explanation video for understanding the scenario of US Economy, inflation, stagflation, recession etc. for all those who are considering to shift their jobs and businesses to US in coming future,
Sorry for the outdated data figures in the video but it will give you a straight and simple idea about the thing.
Debt Crisis: http://en.wikipedia.org/wiki/Debt_crisis
US Debt Crisis 2013: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2013
US debt crisis2011: http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis_of_2011
Stagflation: http://en.wikipedia.org/wiki/Stagflation
Some Featured Thoughts by viewers:
DavidHung: In order not to pay their debt , The evil U.S government will start wars all over the wold , like they always do in the past , in north Africa , Mid-East , South America & wish to overthrow their biggest creditor China . When U.S government use their borrow-money to build army , weapons & missile to kill human life , they even say they believe in God ,how would God answer this BS ! The most bad thing in the world is that you borrow money and you do not pay back , so you kill the person you borrow money from.
Cassio VA : Solutions:
1- Make the bigs companies pay taxes
2- Stop burning money whit military things
3- TurnCommunismEmperor Tikacuti : The preparation will be, WWIII and the collapse of the American imperial economy, because the American Empire owes more than 20 trillion dollars, both to the nations of the world and the government. If they continue to borrow money from other nations, other nations will feel threatened and will rise as anti-Americans, because they don't want their money to be stolen and borrowing money from the bank will lead to serious problems, for internal debt, whether banking, IRS, companies, insurances and even health care and whatever they're doing against nations and itself and citizens refuse to pay but spend on materials and products, the fault will not be the government but the people as well, because the American Empire isn't ruled by the government but by the people, who caused the collapse and starting a war against nations for resource like Nazi Germany. WWIII will lead the collapse of the American Empire and Capitalism, ending the Cold War and other problems and that time will come, when the bomb hits.
Goler Soft 7: how does the government pay back the us debt by putting the fed printed money in banks all around america? and plus the fed charges interest witch puts the government in more debt. so basicly dats paying debt wit debt. also, how does paying back the debt with the federal reserve money cause inflation when the governments not putting the loaned fed money in the economy just using it on the debt? or mabey the government isnt using it to pay the debt. mabye there just putting it in the ecconomy causing inflation claiming there paying off the debt, but really causing inflation. but why?
kalatapie: there are two easy steps in fixing the debt crisis:
step 1: increce the taxes on the wealthy people. why? because it is not normal for a man to make more money a day than an american makes a lifetime!
stem 2: reduce military spending. because, seriously, the cold war is over. you do not need to spend 20% of your GDP in the military considering that there is no major threat for your country.
Demogorgon47 : And when the global financial collapse happens revolution will most likely begin. Millions will die from lack of resources and warfare. People will be calling for the heads of the douchebags that enacted the ridiculous federal reserves that corrupted the whole fucking system to begin with. Reserve banks are the cancer in the system. Loaning the people the nation's currency at interest in a huge fucking mistake. A robbery of the worst kind and it'll bring the whole system crashing down because a few greedy fucks decided to rob EVERYONE world wide. It's a broken system. Either replace it with a resource based economy or hold the greedy fucks accountable. Oh that's right they've got everyone in their pocket so they're untouchable. Fucking bullshit. Why is it no one listens to voice of reason? If people did so maybe we wouldn't be heading towards extinction by greed!
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Does Quantitative Easing Cause Inflation?

http://www.patrickschwerdtfeger.com/sbi/
DoesQuantitative Easing cause inflation? Not when capacity utilization is low. When there is "slack in the line", Quantitative Easing (essentially a monetary policy of printing money and buying bonds with it) does not cause immediate inflation, nor does it simulate lending by the banks. In the end, Quantitative Easing only definitively succeeds at one thing, and that is keeping long-term interest rates low. But what we WILL see in the years ahead is currency wars masquerading as inflation-seeking policies.

Unexpected inflation or deflation takes wealth away from one group and gives it to another group. This video talks about the winners and losers from inflation and deflation. Practice this yourself on Khan Academy right now: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/e/the-costs-of-inflation?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/real-vs-nominal-gdp/v/real-gdp-and-nominal-gdp?utm_source=YT&utm_medium=Desc&utm_campaign=APMacro AP(R) Macroeconomics on Khan Academy: Macroeconomics is all about how an entire nationÕs performance is determined and improved over time. Learn how factors like unemployment, inflation, interest rates, economic growth, and recessions are caused and how they affect individuals and society as a whole. We hit the traditional topics from an AP Macroeconomics course, including basic economic concepts, economic indicators and the business cycle, national income and price determination, the financial sector, the long-run consequences of stabilization policies, and international trade and finance. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything https://www.youtube.com/subscription_center?add_user=khanacademy.
View more lessons or practice this subject at http://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/economic-iondicators-and-the-business-cycle/costs-of-inflation/v/winners-and-losers-from-inflation-and-deflation-ap-macroeconomics-khan-academy?utm_source=youtube&utm_medium=desc&utm_campaign=apmacroeconomics
AP Macroeconomics on Khan Academy: Welcome to Economics! In this lesson we'll define Economic and introduce some of the fundamental tools and perspectives economists use to understand the world around us!
Khan Academy is a nonprofit organization with the mission of providing a free, world-class education for anyone, anywhere. We offer quizzes, questions, instructional videos, and articles on a range of academic subjects, including math, biology, chemistry, physics, history, economics, finance, grammar, preschool learning, and more. We provide teachers with tools and data so they can help their students develop the skills, habits, and mindsets for success in school and beyond. Khan Academy has been translated into dozens of languages, and 15 million people around the globe learn on Khan Academy every month. As a 501(c)(3) nonprofit organization, we would love your help! Donate or volunteer today!
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Inflation

In economics, inflation is a sustained increase in the general price level of goods and services in an economy over a period of time.
When the price level rises, each unit of currency buys fewer goods and services. Consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy. A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index, usually the consumer price index, over time. The opposite of inflation is deflation.

Inflation affects an economy in various positive and negative ways. Negative effects of inflation include an increase in the opportunity cost of holding money, uncertainty over future inflation which may discourage investment and savings, and if inflation were rapid enough, shortages of goods as consumers begin hoarding out of concern that prices will increase in the future. Positive effects include reducing the real burden of public and private debt, keeping nominal interest rates above zero so that central banks can adjust interest rates to stabilize the economy, and reducing unemployment due to nominal wage rigidity.

The RBI board held a marathon meeting Monday amid a rift between the central bank and the government over several issues including how much capital the apex bank needs, lending norms for small and medium enterprises and rules for weak banks ... of lending norms for the MSME sector....

The RBI board held a meeting over several issues including how much capital the apex bank needs, lending norms for small and medium enterprises and rules for weak banks ...There are indications that the RBI may be willing to ease lending norms for micro, small and medium enterprises (MSMEs) but liquidity to NBFCs remains a sticking point....

Winners and losers from inflation and deflation | ...

The monetary system 1, money creation, loans, infl...

Latest News for: inflation lending

The RBI board held a marathon meeting Monday amid a rift between the central bank and the government over several issues including how much capital the apex bank needs, lending norms for small and medium enterprises and rules for weak banks ... of lending norms for the MSME sector....

The RBI board held a meeting over several issues including how much capital the apex bank needs, lending norms for small and medium enterprises and rules for weak banks ...There are indications that the RBI may be willing to ease lending norms for micro, small and medium enterprises (MSMEs) but liquidity to NBFCs remains a sticking point....

InflationReport... 14, 2018, inflation data for October was released, which showed that inflation increased by 2.5% YoY during the month ... This inflation rate is above the Fed’s 2% target, which allows the Fed to be more hawkish. However, it is worth noting that the price of oil was higher during October than it is now, which supported inflation higher....

Next on my list of stuffed birds to avoid as we ready for 2019 is ETHLend (LEND). ETHLend (LEND) started the year as an altcoin favorite of mine. Attempting to disrupt traditional banking with peer-to-peer loans based on an expanding list of ERC-20 coins, Ethlend (LEND) stood out from the pack with this interesting and lucrative concept....

Top government officials and one independent director have pressed the RBI to ease lending and capital rules for banks, provide more liquidity to the shadow banking sector, support lending to small businesses and to let the government use more of the RBI's surplus reserves to boost the economy....

Analysts say it will be a close call, but the Bank’s intention to steer inflation back towards the 4.5% midpoint of the 3%-6% target range will prevail over worries about a fragile economy ... Consumer inflation ... Stats SA releases inflation data on Wednesday....

It would push up inflation, weaken rupee ... system (currently grappling with a deep deficit) has to be maintained and lending to entrepreneurs must go on even as discipline is restored in banks that are bleeding due to the excesses of the debt-fuelled growth strategy of the past....

Inflation in the eurozone improved in October ... At the same time, lower oil prices could mean that In December, the ECB will revise downwards its inflation forecasts. In the U.S., consumer inflation and spending numbers were strong in October ... There was good news from the inflation ......

To be presided over by Finance MinisterAsadUmar, the meeting is also expected to grant exemption from re-lending policy of the government for funds to be provided as grant to the PakistanPoverty Alleviation Fund (PPAF) and consider a report on sugarcane price and cost of production of sugar....

Top government officials and one independent director have pressed the RBI to ease lending and capital rules for banks, provide more liquidity to the shadow banking sector, support lending to small businesses and to let the government use more of the RBI's surplus reserves to boost the economy....

Top government officials and one independent director have pressed the RBI to ease lending and capital rules for banks, provide more liquidity to the shadow banking sector, support lending to small businesses and to let the government use more of the RBI's surplus reserves to boost the economy....

How long will one have to save money in order to accumulate enough to buy a television? Even if one does achieve the targeted savings goal, will he be able to buy the television? Perhaps not, since the price of the television would have risen because of inflation....